see https://www.npr.org/2021/12/13/1063767973/saule-omarova-gets-candid-banks-sank-her-nomination-to-head-occ Sheila Bair was forced to resign as head of the FDIC. Very few people remember that Obama made her resign. That means she was fired. She objected to the "save the banks" strategy started by the Bush administration in 2008 and continued by the Obama, Trump and Biden Administrations. All of them are captive audiences who are hearing…[...]

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The only thing Judges have heard from all corners of the body politic is that the transactions with homeowners were in fact loans --- frequently admitted by homeowners who are equally ignorant --- and that any other legal approach (to foreclosures) would give an undeserved windfall to homeowners --- which would somehow undermine the entire financial and social system of…[...]

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Tags: Judge Botchko
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Although I am qualified to practice in bankruptcy court, I do not consider myself to be a competent qualified bankruptcy lawyer. On bankruptcy questions, you absolutely need to consult with a bankruptcy lawyer who only does bankruptcy. * The filing of a bankruptcy petition starts an administrative process that includes some elements of litigation, including discovery. In my opinion, you…[...]

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In a dispute between the attorney for the homeowner and the attorney for the alleged "lender", there are a number of devices that are nearly universally applied across the country in order to ridicule and defeat the homeowner. The more you are aware of them, the better you will be prepared to deal with them. Opposing counsel is instructed to…[...]

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Tags: Fannie MAe, vexatious litigation, Wachovia, Wells Fargo
Posted in discovery, evidence, expert witness, Fabrication of documents, legal standing, Modification, Wells Fargo |

EVERYONE IS GETTING A PIECE OF THE SECURITIZATION PIE EXCEPT CONSUMERS WITHOUT WHOM IT WOULD NOT EXIST Retailers are NEVER going to challenge what Wall Street is doing to consumers because virtually everything is sold with an offer to make installment payments --- which in turn results in the sale of securities far in excess of any purchase. Retailers have increased…[...]

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There is an important difference between sending letters to regulators complaining about lack of action on behalf of consumers and sending a QWR, DVL and complaints to CFPB and State Attroeny General on specific cases. The first one is a political act, not likely to produce results unless millions of people join with you in one form or another. The…[...]

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Thursdays LIVE! Click into the Neil Garfield Show Tonight’s Show Hosted by Neil Garfield, Esq. Call in at (347) 850-1260, 6 pm Eastern Thursdays As a follow-up to our FREE presentation CLE webinar on Prelitigation Strategies and Practices, we offer an open mike Q&A on tonight's show. Please think about your questions in advance and refrain from long monologues about your…[...]

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Tags: CFPB Complaint, debt validation letter, qualified written request, State AG Consumer Complaint request
Posted in discovery, Fabrication of documents, foreclosure defenses, Pleading |

There is a difference between securitization, on the one hand, and securitization of debt, on the other. They are not the same thing. The entire scheme that is currently advertised or represented as securitization of debt is false. Securitization refers to the creation, issuance, sale and trading of securities. There is no doubt that securities were issued, although I take…[...]

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I'm busy today so I can't publish my usual long analytical article. But one thing that is constantly staring at me is the fact that the national press and news releases are in basic conflict with local media. And the fact that local media is going out of business isn't helping. Black Knight is a company whose size and reputation…[...]

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Posted in Corruption, discovery, evidence, expert witness, Fabrication of documents, foreclosure mill, legal standing, securities fraud, Servicer |

https://www.forbes.com/advisor/debt-relief/using-debt-verification-debt-validation-letters/ It's a business. Anyone can make a claim. Anyone can say that they are representing someone who has a claim. If you don't contest it, the claim might be presumed as valid even though it has no basis in fact. The investment banks don't want you to read articles like the above link in Forbes magazine. Besides corroborating many…[...]

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